Ripple

Professional Services Consultant, Payments

Ripple • $90K — $130K *
Chicago, IL 60629In-Person
Finance & Insurance
Less than 5 years of experience
Today
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Job Overview by Ladders

Qualifications

  • 3+ years experience in corporate payment operations and treasury consulting roles
  • Hands-on experience with SWIFT, SFTP/H2H file exchange, and direct bank APIs
  • Proficiency in TMS platforms like Ripple Treasury or equivalent
  • Strong knowledge of payment control frameworks in a treasury context
  • Experience managing bank connectivity projects from inception to go-live

Responsibilities

  • Lead client discovery sessions to analyze payment workflows and identify issues
  • Advise clients on modernizing payment systems and migrating to API-driven interfaces
  • Configure and test bank connectivity for different payment initiation methods
  • Act as a Tier 3 support for payment connectivity concerns, troubleshooting issues
  • Collaborate with teams to validate integration of new bank connectors
  • Design payment templates and workflows in alignment with client models
  • Manage integration of payment data across ERP systems like SAP and Oracle

Benefits

  • Competitive salary, bonuses, and equity
  • Comprehensive healthcare coverage
  • Family support and family planning benefits
  • Mobile phone stipend
  • Generous vacation policy
  • R&R days for recharging
  • Wellness reimbursement and engaging wellness programs
  • Catered lunches and well-stocked kitchens
Full Job Description
What You'll Do

Payments Discovery & Strategy
  • Lead structured discovery sessions to map a client's end-to-end payment workflows-wire, ACH, SEPA, SWIFT, RTP, and beyond-identifying bottlenecks, approval gaps, and bank connectivity requirements.
  • Advise clients on payment modernization strategies, including migration from legacy file-based formats (NACHA, MT101, MT103, ISO20022) to API-driven bank connectivity via the ClearConnect Gateway (CCG).

Bank API & Connectivity Implementation
  • Configure and test bank connectivity for payment initiation, including SWIFT, H2H file exchange, and direct API integrations via the CCG connector framework.
  • Serve as the Tier 3 escalation point for payment connectivity issues, diagnosing failures across bank portals, middleware, and the Ripple Treasury platform.
  • Collaborate with the Platform Connectivity team to validate new bank connectors against client payment requirements, providing structured feedback on API capabilities and gaps.

Technical Configuration & Integration
  • Configure payment templates, approval workflows, bank account hierarchies, and currency rules within Ripple Treasury to match each client's operational model.
  • Design and execute data mapping scripts and payment format transformations, owning the validation and quality assurance of all configuration logic.
  • Manage ERP integrations -including SAP, Oracle, Workday, etc.-ensuring seamless payment data flow across the client's financial systems stack.

What You'll Bring

Payments Domain Expertise
  • 3+ years of deep expertise in corporate payment operations, including multi-currency wire processing, payment factory design, SWIFT messaging (MT101, MT103, MT202), SEPA credit transfers, and domestic real-time payment rails (ACH, RTP, FedNow, Faster Payments).
  • Hands-on experience with bank connectivity methods-SWIFT, SFTP/H2H file exchange, and direct bank APIs-and a working understanding of ISO 20022 message formats.
  • Strong knowledge of payment controls: approval workflows, dual-authorization models, sanctions screening, and fraud detection frameworks in a corporate treasury context.

Technical Mastery
  • Proficiency with TMS platforms (Ripple Treasury / GTreasury, Kyriba, SAP TRM, or equivalent) with specific focus on payment module configuration and bank account management.
  • Comfort navigating complex data flows between treasury systems, ERPs, and banking portals-including file format transformation (MT101, ACH, ISO20022, etc.) and API-based data exchange.
  • Experience using AI tools to accelerate configuration and documentation tasks, paired with the critical judgment to validate and refine AI-produced outputs.

Professional Experience
  • 3+ years in client-facing treasury consulting, implementation, or professional services roles within a TMS, ERP, or fintech/banking technology environment.
  • Demonstrated experience managing bank onboarding and connectivity projects from requirements gathering through UAT and go-live.
  • Financial fluency-comfortable discussing cash positioning, payment netting, FX settlement, and intercompany payment structures with Corporate Treasury, Accounting, and CFO teams.

Core Competencies
  • Consultative Mindset: You ask "why" before "how," challenge legacy payment processes, and lead clients toward solutions that are both operationally sound and strategically scalable.
  • Communication Skills: The ability to translate payment rail complexity and API mechanics into ROI-framed narratives for treasury leadership and finance executives.
  • Problem-Solving DNA: A methodical approach to diagnosing payment failures-tracing issues from bank portal settings through middleware to platform configuration-rather than escalating or applying surface-level fixes.
  • Cross-functional Collaboration: Proven ability to coordinate across bank partners, platform engineering, and client stakeholders to deliver connectivity outcomes on time and on scope.

Take Control of Your Finances
  • Competitive salary, bonuses, and equity
  • Competitive benefits that cover physical and mental healthcare, retirement, family forming, and family support
  • Employee giving match
  • Mobile phone stipend

Take Care of Yourself
  • R&R days so you can rest and recharge
  • Generous wellness reimbursement and weekly onsite & virtual programming
  • Generous vacation policy - work with your manager to take time off when you need it
  • Industry-leading parental leave policies. Family planning benefits.
  • Catered lunches, fully-stocked kitchens with premium snacks/beverages, and plenty of fun events

Benefits listed above are for full-time employees.

About Ripple

Ripple is a technology company that provides solutions for global payments. The company's main product is the Ripple payment protocol and its associated digital currency XRP. Ripple's payment protocol is designed to enable secure, instantly and nearly free global financial transactions of any size with no chargebacks. Ripple's customers include banks, payment providers, digital asset exchanges and corporates. The company was founded in 2012 and is headquartered in San Francisco, California.
Learn more about Ripple
Size
500 employees
Industry
Finance & Insurance
Founded
2012
* Ladders Estimates

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